Finding cheaper insurance for your Lincoln MKS in New York could be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to quote coverages for a new or used Lincoln and find the lowest price either online or from Buffalo insurance agents.
It’s important to compare prices at least once a year since insurance prices are variable and change quite frequently. If you had the best deal on Lincoln MKS insurance in Buffalo six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding MKS insurance on the web, but in a few minutes you can learn some great ideas on how to find affordable car insurance in Buffalo.
Locating the most cost-effective car insurance policy in Buffalo can be made easier if you know where to look. If you are already insured or need new coverage, you can use these tips to reduce the price you pay and still have adequate protection. Comparison shoppers just have to understand the fastest way to compare company rates from many different companies online.
The best way we recommend to compare rates for Lincoln MKS insurance in Buffalo is to know auto insurance companies pay for the opportunity to compare their rates. The only thing you need to do is provide the companies a bit of rating information such as whether the vehicles are used for commuting, how much school you completed, your credit rating estimate, and deductibles desired. The data is instantly provided to many highly-rated insurers and you get price estimates almost instantly.
To find lower cheap Lincoln MKS insurance rates now, click here and enter your zip code.
The providers in the list below are our best choices to provide quotes in Buffalo, NY. If you want to find the best cheap auto insurance in Buffalo, we suggest you visit two to three different companies to get the best price comparison.
Insurance protects more than just your car
Despite the high insurance cost for a Lincoln MKS in Buffalo, insurance is required by state law in New York and it also provides benefits you may not be aware of.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to get the vehicle licensed. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Lincoln MKS, most lenders will have a requirement that you buy insurance to guarantee payment of the loan. If you default on your policy, the bank may buy a policy for your Lincoln at an extremely high rate and make you pay a much higher amount than you were paying before.
- Insurance safeguards your car and your assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your MKS more than cancel out the cost, especially if you ever need it. Today the average American driver is overpaying over $810 a year so shop around every year to ensure rates are competitive.
Lincoln MKS coverage statistics
The coverage table shown next highlights a range of policy rates for Lincoln MKS models. Having a good grasp of how auto insurance prices are figured can help drivers make informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| MKS AWD 4-Dr Sedan | $182 | $294 | $294 | $18 | $88 | $876 | $73 |
| MKS 4-Dr Sedan | $182 | $294 | $294 | $18 | $88 | $876 | $73 |
| MKS Ecoboost AWD 4-Dr Sedan | $200 | $332 | $294 | $18 | $88 | $932 | $78 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in garaging location in Buffalo which can lower or raise premiums considerably.
Lincoln MKS liability rates compared to full coverage
The example below shows the comparison of Lincoln MKS insurance rates with full physical damage coverage and with liability coverage only. The data assumes no driving violations, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.
When to drop comp and collision
There is no specific rule for dropping comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s say your Lincoln MKS settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $8,000 after the deductible is paid. If premiums are more than $800 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are a few cases where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Discount Buffalo insurance quotes
Companies do not list all possible discounts in a way that’s easy to find, so we took the time to find some of the more common and also the more inconspicuous discounts that may be available.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for lower premium rates.
- Discount for Home Ownership – Being a homeowner can get you a discount since owning and maintaining a home demonstrates responsibility.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from Buffalo without a vehicle on campus can be insured at a reduced rate.
- Payment Method – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
- Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy qualifies for this discount.
- Discount for Low Mileage – Low mileage vehicles can qualify you for slightly better prices than normal.
- Online Discount – A few larger online companies will give a small break shop Buffalo car insurance on the internet.
While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.
The information below shows the comparison of Lincoln MKS insurance prices with and without discounts applied. The data assumes a male driver, no tickets, no at-fault accidents, New York state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, marriage, homeowner, and multi-car discounts applied.
A few companies that may offer quotes with some of the above discounts are:
Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Some discounts listed above may not apply to policyholders everywhere. To see a list of providers with the best discounts in Buffalo, click here.
Situations that may require an agent’s advice
When it comes to choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different.
These are some specific questions might help in determining whether or not you will benefit from professional help.
- Is my dog or cat covered if injured in an accident?
- Do I need special endorsements for business use of my vehicle?
- Do I need roadside assistance coverage?
- What are the financial responsibility laws in my state?
- Do I have coverage when pulling a U-Haul trailer?
- Do I need rental car coverage?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.